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Life insurance calculator

By Insure.com - Last updated: Dec. 16, 2014

Life Insurance Calculator

Find out what's the right life insurance for you.

What do you want your life insurance to provide? (Check all that apply)

Extra income to my family

Money for funeral costs

An inheritance for my heirs

Life insurance shoppers start their buying process with two crucial questions:

What type of life insurance do I need?

How much coverage should I buy?

Insure.com’s life insurance calculator (at right) makes it simple for you to find quick answers to these questions. The tool offers an individualized analysis of your life insurance needs.

By answering questions about family debt, college-bound children, inheritance plans and other financial obligations, you’ll receive an analysis of whether you need term life or permanent life insurance (or both), and the amount of coverage you should buy.

Armed with answers to the two starting-point questions, you’ll then be ready to seek life insurance quotes.

Insure.com’s life insurance calculator takes into account a variety of life situations. For example, a person who wishes to cover certain debts like a mortgage often needs term life insurance, which provides insurance protection for a specified period of time. On the other hand, someone who oversees a family business or who wants to provide an inheritance to children through life insurance may need a permanent life insurance policy.

The calculator keeps a running total of coverage amounts required, and its analysis shows how your answers led to the specific results.